Privacy Policy

Last updated: January 15, 2026

            Summary: We take your privacy seriously. This policy explains how we collect, use, and protect your personal information in compliance with the Privacy Act 2020.
        

1. Introduction

Mortgage Calculator NZ ("we", "us", "our", or "Website") operates this website. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our calculator tools, and submit forms.

We are committed to protecting your privacy and complying with the Privacy Act 2020 (NZ). Please read this policy carefully. If you do not agree with our privacy practices, please do not use our website.

2. Information We Collect

2.1 Information You Provide Directly

When you use our website, we may collect the following personal information:

Lead Capture Form: Name, email address, phone number, and loan amount (when you submit the lead form)
Contact Inquiries: Messages, feedback, or inquiries you submit through our contact forms
Calculator Inputs: Information entered into our calculators (loan amount, term, interest rate, income) is processed locally and not stored on our servers unless you explicitly save or share results

2.2 Information Collected Automatically

We automatically collect certain information about your device and browsing behaviour:

Log Data: IP address, browser type, operating system, referrer page, pages visited, and time spent
Cookies: Information stored in cookies and similar tracking technologies (see Section 5 for details)
Analytics: User interactions, page views, and engagement metrics via Google Analytics 4
Device Information: Device type, screen resolution, and language preferences

3. How We Use Your Information

We use the information we collect for the following purposes:

To provide and improve our calculator and services
To process lead capture forms and connect you with mortgage brokers or lenders (with your consent)
To respond to your inquiries and customer support requests
To analyze website usage and trends to improve user experience
To send you updates, newsletters, or promotional content (only if you opt in)
To comply with legal obligations and enforce our terms
To detect and prevent fraud or abuse

4. How We Share Your Information

4.1 Third-Party Service Providers

We may share your information with third-party service providers who assist us in operating our website and conducting our business:

Google Analytics 4: For website analytics and user behavior tracking
Mortgage Brokers and Lenders: When you submit a lead form, we may share your contact information with affiliate mortgage brokers (e.g., Squirrel, Mike Pero, Loan Market) or lenders (e.g., EasyMortgage) to facilitate loan applications
Hosting Providers: Services that host our website and store data
Email Service Providers: For sending newsletters and communications (only if you opt in)

4.2 Legal Disclosure

We may disclose your information if required by law, court order, government request, or to protect our legal rights or the rights of others.

4.3 No Sale of Data

We do not sell, rent, or lease your personal information to third parties for marketing purposes. However, as noted above, we may share your information with mortgage brokers and lenders when you submit a lead form for the purpose of processing your mortgage inquiry.

5. Cookies and Tracking Technologies

5.1 What Are Cookies?

Cookies are small text files stored on your device that help us recognize you and improve your experience. We use the following types of cookies:

Essential Cookies: Required for website functionality (e.g., security, login sessions)
Performance Cookies: Help us understand how you use the website and improve our services
Analytics Cookies: Collect data about your browsing behaviour (Google Analytics 4)
Marketing Cookies: Used by affiliate partners to track conversions (if applicable)

5.2 Managing Cookies

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or alert you when cookies are being sent. Note that disabling cookies may affect the functionality of our website.

6. Your Rights Under the Privacy Act 2020

Under New Zealand's Privacy Act 2020, you have the following rights:

Right of Access: You have the right to request access to the personal information we hold about you
Right to Correction: You can request that we correct inaccurate or incomplete information
Right to Deletion: You can request that we delete your personal information (subject to legal retention requirements)
Right to Object: You can object to the processing of your information for specific purposes
Right to Withdraw Consent: If you have provided consent, you can withdraw it at any time
Right to Complain: You can lodge a complaint with the Office of the Privacy Commissioner

To exercise any of these rights, please contact us using the details in Section 10 below.

7. Data Retention

We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, unless a longer retention period is required by law. Typically:

Lead capture information is retained for 12 months
Analytics data is retained for up to 14 months
You can request deletion of your information at any time

8. Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

9. International Data Transfers

Our website may use services hosted outside New Zealand (e.g., Google Analytics, hosting providers). When your information is transferred outside NZ, we ensure it is protected by equivalent privacy standards or appropriate safeguards as required by the Privacy Act 2020.

10. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or want to lodge a complaint, please contact us at:

Email: nzmortgagecalculator@gmail.com
Website: www.mortgagecalculator.nz

If you are not satisfied with our response, you can lodge a complaint with the Office of the Privacy Commissioner:

Website: www.privacy.org.nz
Phone: 0800 803 202

11. Children's Privacy

Our website is not intended for children under the age of 13. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 13, we will take steps to delete such information immediately.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by updating the "Last updated" date at the top of this page. Your continued use of the website following changes constitutes your acceptance of the updated policy.

13. Our Mortgage Calculators

Explore our free tools for planning your home loan:

Mortgage Calculator - Calculate your home loan repayments
Affordability Calculator - How much can you borrow?
Bank Comparison - Live NZ mortgage rates
Refinance Calculator - Compare refinancing options
KiwiSaver Withdrawal - First home buyer calculator